, lowering the income limit. we have to recognize many of the second homes are in places like michigan, wisconsin, arkansas, where people are looking for a weekend fishing lodge. verynot the hamptons or expensive homes in beverly hills. many homes are scattered in the midwest. host: our first call for lawrence yun comes from dan in virginia beach, virginia. caller: i'm interested in this topic, especially being under water, but not terribly under water. some time ago, the president suggested that all the banks or lenders should forgive the difference between where the market is and what they borrowed. bankught, there's not one on earth that will do that. here's an idea. i pay $135 a month in my payment for private mortgage insurance. since i have had this home loan, it's over $6,000 that has gone through this private mortgage insurance. i thought, if the president wants to do something for me, why not get rid of that. that would lower my payment or increase my payment and that would be a better way to move the housing market forward. i am interested in any comment on that matter. guest